Hey, long time lurker here but never posted. 3 years ago I got a new job and was forced to buy a car because of the distance. I had been using public transportation to save since I worked a lot closer. I got a Toyota Corolla, was 18k all said and done. I have shit credit because I have defaulted student loans, and had to get a 20% APR.

Well, I finally did it! I scheduled my last payment to go through tomorrow, less than $500.

I've been keeping my budget tight, and using the COVID shut downs and stimmy checks to put through tons of extra payments. My goal was to finish paying it off by the end of the year. I almost didn't make it 'cause of unexpected bills and issues, but I made it with not a day to spare!

Anyway, just really excited and thought some internet brownie points would be nice.

Now I don't have a car payment, can drop my insurance to liability, and have a few months of finally building some savings before working on my student loans, which are 10k. Hopefully I can get those paid off the end of next year!

Without that crazy bill looming over me, I feel like I can finally start working toward my future at 34.

Cheers everyone, and happy new years.